人身保險經紀人間以同業合作方式洽訂保險契約適法性探討 The Study of Insurance Distributing by Cooperation of Life Insurance

摘要
　　保險人基於成本考量，導致無法接受規模較小保險經紀人所洽簽之保險契約，市場因而發展出保險經紀人間以轉單方式合作洽訂保險契約之營業模式；惟主管機關基於強化保險招攬紀律增進保戶權益保障，明文禁止此轉單行為，本文由複委任與複代理角度出發點，探討保險經紀人間同業合作之適法性分析。本文認為若能對要保人與保險人充分告知相關資訊並取得書面同意，保險經紀人間以轉單合作方式似仍有其可行性。
關鍵詞：人身保險、保險經紀人
Abstract
　　This article is focused on the legal relationship of two insurance brokers in one insurance contract. We think that if the insurance broker could get the written consent of the insurer and insured, disclosure relative information and fully take into account the interests of the insurers and customers, we agree that the insurance broker can transfer his customer to another insurance broker to sign the insurance contract with insurer.
Keywords: life insurance, insurance broker